This method is simple & minimalistic, at first, it may look like there are many steps, but trust me, the whole process takes less than an hour, once done, everything will be secure, easy for you to access & simple for your family & friends as well
Create a main folder containing your memories & an AES 256 encrypted PDF ( Adobe Acrobat/LibreOffice Writer ) with a strong passphrase
Use Excalidraw, Notepad or LibreOffice Writer to write important info ( passwords, assets, phone num etc ) then open it in the software & convert it into an encrypted PDF
Include a guide on accessing the PDF inside the folder
Store the PDF password in Bitwarden ( with 2FA TOTP ) & memorize your Bitwarden master password